Protect yourself after the storm

Neighborhoods recovering from storm damage often attract the attention of repair companies. Ask questions, do research, and obtain information, before signing a contract for repairs.

Before installing a new roof, or having repairs made, consider the following when choosing your contractor:

Look for an established, licensed or bonded roofer and request references. Not all jurisdictions require licensing of roofing contractors.

Ask to see certificates of insurance to be sure both liability and workers compensation insurance coverage is carried, and are in force during the time the roofing work is being done.

Insist on a detailed, written estimate clearly stating the quantity of materials needed (labor charges; work specifications) which include approximate starting and completion dates; payment procedures and that any necessary building permits are secured.

Carefully review and understand any warranty and watch for conditions that would void it.

Use caution (ask questions) before accepting a bid substantially lower than other bids covering the same repair work.

Contact your local Better Business Bureau to check for complaints filed against the contractor.

You may also contact your National Roofing Contractors Association for assistance in locating a professional contractor in a specific geographic area at 1-800-USA-ROOF or 1-800-872-7663 or go to http://www.nrca.net/.

In Canada, you may contact the Canadian Roofing Contractors Association for assistance in locating a professional contractor in a specific geographic area at 1-800-461-2722 or go to http://www.roofingcanada.com/.

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The information in this article was obtained from various sources not associated with State Farm®. While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. These suggestions are not a complete list of every loss control measure. The information is not intended to replace manuals or instructions provided by the manufacturer or the advice of a qualified professional. Nor is it intended to effect coverage under our policy. State Farm makes no guarantees of results from use of this information.